North Platte, NE / Foreclosure
Can I Sell My North Platte House in Foreclosure?
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Often, yes. You may still be able to sell before a foreclosure sale. In Nebraska, a trust-deed foreclosure uses a trustee's sale; a mortgage foreclosure goes through court and may lead to a sheriff's sale. Each process has different notices and timing.
USA Home Buyers buys houses in North Platte and Lincoln County, Nebraska. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call 888-274-5006 any time; we answer 24/7. You can send the property address and notice through the form, too.
We give written cash offers in 24 hours.
Share the property address and the foreclosure or tax-sale notice you have.
How we help you work toward closing
When you call or use the form, we review the house as-is, give you a written offer and written terms before you commit, and close through a title company.
Close as fast as 7 days when title and closing details allow.
No fees. No agent commissions when you sell to us.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.
When you sell to us, we pay the closing costs, including Nebraska's documentary stamp tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate from closing costs.
Which sale is on your notice?
Nebraska uses different procedures for a trust-deed foreclosure and a mortgage foreclosure. A property-tax sale is separate from both and has its own notice and deadline.
Trust deed: notice and trustee's sale
With a trust deed, the lender can use a process outside court. For a qualifying payment default before the loan's original maturity, you can generally cure during the month after the trustee records a notice of default with the county Register of Deeds. To cure, pay what is due plus allowed costs and fees. Principal due only because of acceleration is excluded; principal already due at maturity is not. Certain farm properties have two months, and a later cure before the sale can involve different allowed costs and fees.
After at least one month — or two months for the specified farm properties — the trustee can publish a notice of trustee's sale once a week for five weeks. The last notice must be 10 to 30 days before the sale, and a copy must be mailed to you at least 20 days before it. The trustee sells at public auction and can postpone the sale by announcing it at the auction. After a trustee's sale, you cannot redeem the house (buy it back).
Read the Nebraska statutes on recording the notice of default and the cure period, publishing sale notices, mailing the sale notice, public auction and postponement, the trustee's deed and no right of redemption and reinstatement.
Mortgage: court case and sheriff's sale
With a mortgage, the lender must go to court, and a sheriff or court-appointed officer holds the sale. Within 20 days after the court's decree, you can file a written request to delay it. The delay can be nine months. For the residential mortgages covered by the statute, it is three months if the original final payment was more than 20 years after the foreclosure complaint was filed, or six months if it was more than 10 but no more than 20 years after that filing.
You can redeem by paying the court judgment, interest, and costs before the court confirms the sale. If the auction buyer is not the plaintiff, the statute also requires interest on that buyer's purchase price. These court dates are separate from a trust-deed notice or a property-tax notice. Read Neb. Rev. Stat. §25-1506 on delaying a court-ordered sale and §25-1530 on redemption before confirmation.
Property-tax sale: a separate notice and deadline
A property-tax sale is separate from a lender's mortgage foreclosure or trust-deed sale. Its notice and deadline are different from the mortgage and trust-deed timelines above. If you have a tax-sale notice, call us and we'll review it with you.
A cancellation period may apply to a buyer contract
If you live in the home and foreclosure has started, Nebraska's Foreclosure Protection Act generally lets you cancel a covered contract to sell to a business buyer until midnight of the third business day after signing or noon on the last business day before the sale, whichever comes first. The Act gives no cancellation right if you first agree to the purchase on or after that noon deadline.
See the Nebraska statutes for equity purchasers, residence in foreclosure and the homeowner's right to cancel.
If the payoff is the problem
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
We can review the payoff and sale terms with you as we work with the title company.
What happens next
- Call us or use the form. If you have a foreclosure or tax-sale notice, send it along and we'll talk through the dates with you.
- We review the house as-is and give you written offer terms before you commit.
- If you choose to sell to us, we work with the title company on title, payoff details, and closing.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Lincoln County contacts
In Lincoln County, the trustee records a notice of default with the Register of Deeds. For property-tax notices, the Treasurer handles real-estate tax accounts.
- The Lincoln County Register of Deeds is at 301 N. Jeffers, Room 103, North Platte, NE 69101; call 308-534-4350 ext. 4190.
- The Lincoln County Treasurer is at 301 North Jeffers Street, Room 102, North Platte, NE 69101; call 308-534-4350 ext. 4125, weekdays 9 a.m.–5 p.m., excluding holidays.
Questions and contact
Call 888-274-5006 — we answer 24/7 — or send the property address and notice through the form. Compare possible sale proceeds with the North Platte home-sale net-proceeds calculator. Read our Google reviews or see USA Home Buyers reviews and trust information. You can also visit the North Platte seller resources and local FAQs.
Questions about selling before foreclosure in North Platte, NE
Can I sell my North Platte house before a foreclosure sale?
Often, yes. You may still be able to sell before a foreclosure sale. A Nebraska trust-deed foreclosure uses a trustee's sale; a mortgage foreclosure goes through court and may lead to a sheriff's sale. Call us with the notice and we'll talk through your options.
What is the difference between a trust-deed sale and a mortgage foreclosure in Nebraska?
A trust-deed foreclosure can proceed outside court: the trustee records a notice of default and follows required sale notices. A mortgage foreclosure goes through court, and a sheriff or court-appointed officer holds the sale. Each process has different deadlines and options.
Is a property-tax sale the same as a mortgage foreclosure?
No. A property-tax sale has its own notice and deadline, separate from a trust-deed foreclosure or court mortgage foreclosure. Send us the notice and we'll review it with you.
What if the payoff is more than my North Platte house is worth?
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Can I cancel a contract to sell my home during foreclosure in Nebraska?
If you live in the home and a foreclosure has started, the Nebraska Foreclosure Protection Act generally lets you cancel a covered contract with a business buyer by midnight of the third business day after signing or noon on the last business day before the sale, whichever comes first. The Act gives no cancellation right if you first agree to the purchase on or after that noon deadline.
What happens after I contact USA Home Buyers?
We review the house as-is, give you a written offer and written terms before you commit, and close through a title company if you choose to sell to us.
Talk through the foreclosure deadline
Call 888-274-5006 or send the North Platte property address and the date on your notice. You can call before a trustee's or sheriff's sale is scheduled.
We give written cash offers in 24 hours.
Share the address and the sale or payoff information you have.